730 CRYSTAL LAKE RD, LUTZ, FL, 33548
Active15 days on marketListed Jul 9, 2026MLS #TB8525294
About this home
730 CRYSTAL LAKE RD
Wake up to coffee—or wind down with wine—on your covered back porch overlooking beautiful South Crystal Lake. Watch the morning mist drift across the water, enjoy Florida's signature afternoon summer storms, and end each day with breathtaking pink sky sunsets. Fully remodeled in 2023, this 4-bedroom, 2-bath home sits on a nearly half-acre lot with 89 feet of lake frontage on the 19-acre Crystal Lake. Expansive French doors fill the great room with natural light while framing peaceful water views. The beautifully designed kitchen is perfect for large gatherings and features newer custom cabinetry, quartz countertops, an oversized island, and stainless steel appliances. The spacious primary suite offers a spa-inspired ensuite with a dual-sink vanity and walk-in shower. Major updates include a newer roof (2023), electrical panel, well pump, whole-house water system, double-pane windows, plumbing, electrical (2023), and water heater (2019), providing peace of mind for years to come. Launch your boat from your own backyard, cast a line from the shoreline, or create the custom dock you've always envisioned beneath the shade of mature live oaks and cypress trees. Conveniently located just off US Highway 41, minutes from Florida Avenue and I-275, you'll enjoy quick access to everything Tampa Bay while coming home to the peaceful charm of lakefront living. Located in the sought-after Steinbrenner school district. No HOA or CDD. Come home to the lake life.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,900
Sqft
0.52 ac
Lot size
2
Garage
1970
Year built
One
Levels
$273
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,905 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,905/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+6.3%
$/sqft vs UNPLATTED
$273 vs $312
Days on market
15 vs 35 typical
Where $273/sqft sits among the 162 homes for sale in UNPLATTED
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Crystal Lakes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lutz. See the full Lutz guide →
Crystal Lakes — neighborhood snapshot
Population
2,109
Median age
42
Median income
$142,505
Median home value
$550,793
Avg household
3
Households w/ children
253
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lutz market
$580K → $487K
Lutz median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
75 of 162
UNPLATTED have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 27% below the LUTZ 33548 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 730 CRYSTAL LAKE RD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$165,000
4004 AMBER ROAD · same community
3 bd · 2 ba · 1,868 sqft · $88/sqft · 2 DOM
Sold · Nov ’25$302,000
2852 TOM BREWER LANE · same community
4 bd · 2 ba · 1,944 sqft · $155/sqft · 8 DOM
Sold · Dec ’25$332,000
913 E GENESEE STREET · same community
3 bd · 2.5 ba · 2,075 sqft · $160/sqft · 4 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 730 CRYSTAL LAKE RD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 730 CRYSTAL LAKE RD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
730 CRYSTAL LAKE RD FAQs
What would the monthly payment be for 730 CRYSTAL LAKE RD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,905/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 730 CRYSTAL LAKE RD?+
The most recent tax bill on record (2025) was $5,516. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Lutz?+
At $519,000, this home is listed about 6% above the Lutz median of $489,999. The market section on this page shows how the area is trending.
Which schools are assigned to 730 CRYSTAL LAKE RD?+
Lutz K-8 School (elementary), Buchanan Middle School (middle), Steinbrenner High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the LUTZ 33548 market on paper
$519,000 is 27% below the LUTZ 33548 median of $709,700.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Lutz K-8 School, Buchanan Middle School, Steinbrenner High School, Patricia Sullivan Metropolitan Ministries Partnership School — Lutz K-8 School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of HOME SWEET TAMPA BAY · Amanda Clay. MLS #TB8525294.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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